Date Received: 2023-04-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The 7yr Statue of limitation is up on these accounts, also the accounts also state that the debt is already written off as a loss. can you help removing this account from all 3 credit bureaus
Company Response:
State: MI
Zip: 48223
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I disputed many times to verify a capital 1 account that is seriously doing damage to my credit profile.The capital 1 account ending in XXXX was opened in XXXX which is 8 years ago, The date of first delinquency is HIGHLY important because the report would have been deleted from my credit profile if that date is before XX/XX/XXXX. I asked the capital 1 to provide me with proof of payment detail but they continue to update unverified and inaccurate information that does not support my claim and ignore what Im actually disputing. Proof of inaccuracies are the last payment date showing as XX/XX/XXXX but pic of payment summary shows account is 90 late on that date.
Company Response:
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I signed up for this credit card which offers 5 % rewards on all purchases. In the first month I made a purchases totalling a little over {$500.00} which should have earned me {$25.00} in rewards. The balance was paid in full at the end of the statement period and I currently have no outstanding balance. However, Capital One put a restriction on my account and after several months I still have not received the {$25.00} in rewards they owe me. If they want to restrict the card to new purchases, that is their choice. However, that doe n't relieve them of their obligation to pay out on the rewards earned while the card was free to use. I contacted the issuer multiple times and spoke with multiple agents and they tell me the card is restricted for use but still open. However, they have not made the rewards I earned available to me.
Company Response:
State: CA
Zip: 92708
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In XX/XX/XXXX of 2022 And XX/XX/2022 I went to check cars in dealerships. They were so aggressive to me and pushy. I notified them not to check my credit I told them my case and now when I checked they ignored me my desition and without my permission they did hard inquiries or run my credit. I am so mad and I found juat now that I have more than 13 hard inquires that affected me in my credit score. Those seller are super abusive they don't care about you just sell and make money. I called XXXX l, XXXX and XXXX they suggested me to reported them here. Here is the list the XXXX XXXX XXXX XXXX shared with me to dispute : 1. They check Capital One - Date : XX/XX/2022 XXXX. XXXX XXXX XXXX - XX/XX/2022 XXXX. XXXX XXXX - XX/XX/2022 XXXX. XXXXXXXX XXXXXXXX ( 2 times they checked ) XXXX. XXXX XXXX XXXX XXXX. Capital One Auto Finance XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX ( 2 times checked ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Capital One is reporting Fraud accounts on my credits reports with all 3 major bureaus : XXXX XXXX, XXXX XXXX XXXX. I previously sent Capital One letters, for months, disputing these fraud accounts below. Capital One acct # XXXX {$2500.00}. Capital One acct # XXXX {$2200.00}. I am a victim of Identity Theft & have already sent a copy of my FTC report to XXXX XXXX, XXXX XXXX XXXX. Capital One received my letters and were required to take the appropriate action within 30 days of receipt. Capital One is NOT legally verifying theses fraud accounts, there is no true proof or wet signature, that these accounts belong to me, anyone can open an account online using my info! Capital One 's offices failed to respond to this validation and proof of claim ( NOT A COPY OF A BILL! ) BUT REAL PROOF, all references to this account must be deleted and completely removed from my credit files. However, Capital One willfully failed to delete the disputed information as I requested in my dispute. Capital One 's action or inaction is an intentional violation of the FCRA. Thank You.
Company Response:
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: i been a victim of idenity theft and had various accounts opened in my name with adverse affects to my credit worthiness and financial situation i cant open a bank account get a loan a credit card i cant even cash a XXXX check at XXXX. because of that i am forced to be on publIc assistance i have several checks i cant cash no bank will cash it no check cashing place will cash it who is the regulatory agency responsible for that because there guilty of defamation because i am being forced into poverty per whatever policies they are enforcing on me. whos responsible all the reporting agencies the regulatory agencies. i cant even claim my minors account because they wont let me use the account.. i am victim of idenity theft and by your inactions an infant and under the baby act. so why are contracts being enforced on me negatively. cfpb does nothing that benifits me
Company Response:
State: CA
Zip: 90262
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I am an account holder of a Walmart Rewards Credit Card, which is issued and managed by Capital One , National Association, a subsidiary of Capital One Financial Corporation ( Capital One or the Company ). I have reason to believe Capital One is allowing fraudulent activity on my Walmart Rewards Credit Card account. The initial amount in dispute was {$690.00}, but the remaining amount in dispute is {$610.00}. Background On XX/XX/2023, at XXXX, I made a {$690.00} purchase from XXXX XXXX XXXX, a travel brand of XXXX XXXX XXXX XXXX XXXX XXXX or Merchant ). The purchase price included {$610.00} for a hotel booking at The XXXX at XXXX XXXX in XXXX XXXX, NV and {$80.00} for travel insurance from XXXX XXXX XXXX ( XXXX ). Prior to checkout, a blue box appeared providing the hotel details, price, and other policies ( Pre-Checkout Notice ). Importantly, the cancellation policy stated, Free cancellation until XX/XX/XXXX XX/XX/2023... Cancellations made on or after XXXX XX/XX/2023 will result in a XXXX USD fee. ( XX/XX/XXXX Pre-Checkout Notice Attached ). Moments after making the purchase, I received a XXXX Confirmation Email. The Cancellation Policy area was blank and made no mention of a Non-Cancelation, No Refund Policy. ( XX/XX/XXXX Confirmation Email Attached ). Resolution Attempts with Merchant About Fifteen minutes after the purchase, I discovered an error and requested that my purchase be cancelled, which the Merchants representative, XXXX, granted and confirmed. On XX/XX/2023, having seen no change in status regarding the purchase, I called the Merchant again and a different representative, XXXX at XXXX, and supervisor XXXX at XXXX, stated that my purchase was nonrefundable due to a Non-Cancelation, No Refund Policy. Which was completely opposite of what the XX/XX/XXXX Pre-Checkout Notice stated. Transaction Dispute Filed with Capital One On XX/XX/2023, I filed a dispute over the {$690.00} charge with Capital One, which opened Dispute Number XXXX. On XX/XX/2023, while awaiting the Merchants response to my dispute, I received a Cancellation Confirmation Email from the Merchant which stated that XXXX has processed [ my ] cancellation and have begun the refund process to your original Form of Payment. ( XX/XX/XXXX Cancellation Confirmation Email Attached ). The travel insurance amount has been refunded by XXXX via the Merchant, leaving {$610.00} in dispute. On XX/XX/2023, in spite of the XX/XX/XXXX Cancellation Confirmation Email from the Merchant, Capital One provided notice stating that XXXX had provided Confirmation showing no cancellation per policy was received. Upon calling Capital One 's Transactions Dispute Department that same day at XXXX and speaking with Transactions XXXX XXXX and Dispute Supervisor XXXX, I learned that XXXX had submitted documents noting a no-refund policy from XXXX. In shock, I explained ( 1 ) that I did not use XXXX for this reservation, ( 2 ) was NEVER informed of XXXX having any involvement with the purchase, and ( 3 ) that NOTHING in the documents that I received from XXXX even mention XXXX. Capital One Supervisor XXXX attempted to call the XXXX, the listed XXXX, via a three-way call, but upon answering, the XXXX Representative attempted to transfer XXXX & myself to a different department, which did not answer nor, to my knowledge, return our phone call. On XX/XX/2023 and XX/XX/2023, I submitted detailed dispute letters noting all the steps I had taken to remedy the issue with the Merchant, and provided all the TAW documents I had received, including the XX/XX/XXXX Pre-Checkout Notice, XX/XX/XXXX Confirmation Email, and XX/XX/XXXX Cancellation Confirmation Email. On XX/XX/2023, as if no one bothered to read my detailed letters or review the TAW documents, I received a generic letter stating While we have received your response to this request, it lacks all the previously requested information needed to validate your dispute. Unfortunately, the letter made no mention of what items were missing. Oddly, even in the face of an actual XXXX document stating that I had free cancellation until XXXX and a TAW email stating that my purchase was cancelled and a refund was being issued, several Capital One Supervisors blindly accepted documents from XXXX WITHOUT establishing any discernable connection between XXXX, the actual Merchant that charged my Capital One Credit Card and was responsible for proving the validity of the purchase, and XXXX ; a third-party company that the customer never interacted with, and of whom, there was no mention in the TAW documents provided to the customer. Capital One Disputes Supervisor Re-opens Dispute On XX/XX/2023, I spoke with Capital One Disputes Supervisor XXXX, who examined the documents and recognized that XXXX was never mentioned in any of TAWs documents, and submitted the dispute for a reinvestigation and issued another provisional credit. On XX/XX/2023, I received yet another form letter from Capital One stating While we have received your response to this request, it lacks all the previously requested information needed to validate your dispute. Later that day, at XXXX, I spoke with Capital One Disputes XXXX XXXX . I asked XXXX what was missing, and she stated that a dispute is a battle of documents and then noted that XXXX had resubmitted the exact same document, and Capital One again accepted that document and closed the case. It was if XXXX and several other representatives and supervisors were willfully ignoring documents I submitted from the listed XXXX, in order to close the dispute. XXXX has no connection to this dispute and no document has ever been put forward establishing that XXXX XXXX XXXX informed the customer ( myself ) of XXXX 's involvement or policies. Capital One Disputes Supervisor Requests Override On XX/XX/2023, I conducted a lengthy call with Capital One Dispute Supervisor XXXX beginning at XXXX, who also recognized the issues with the fact that Capital One had accepted XXXX documents, when they were not the merchant and had provided no documents connecting them to XXXX. XXXX then escalated the dispute to the XXXX XXXX Department requesting approval to override the charge, explaining that I should hear something back by Monday, XX/XX/2023. ( I have a recording of the conversation ). However, as of XX/XX/2023, there has been no contact from the XXXX XXXX Department. I called to check the status on XX/XX/2023 at XXXX, speaking with Capital One Dispute Supervisor XXXX, and XX/XX/2023 at XXXX, speaking with Capital One Dispute Supervisor XXXX . Each explained that they could not see the record since Capital One Dispute XXXX XXXX escalated the matter and only she would receive notice of the outcome. I have now exhausted the administrative dispute resolution process. Conclusion At the heart of this matter, I made a purchase from a Merchant ( XXXX XXXX XXXX ), was told that my purchase was refundable until XX/XX/2023, and, after exercising my right to cancel the purchase, was provided a cancelation confirmation email noting that my refund was in process. Only to have my credit card issuer, Capital One accept documents from an entirely different company, with NO CONNECTION to the purchase and NO DOCUMENTED CONNECTION to the named Merchant. This appears to be a textbook case of fraud on me as the customer and my card issuer has been on notice of it since XXXX, but has refused to provide a resolution. I should be refunded the remaining {$610.00} in dispute.
Company Response:
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: On XX/XX/2023, I deposited my paycheck from my employer ( XXXX XXXX XXXX XXXX XXXX ) at a capital one branch. I was then told I can't receive my money as there is a " fraud '' check on my account. I have had those account for years ( 4 years ) without any issues. The bank refuses to close out my account or return the check ( my hard earned money )
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXXXXXX ) has violated several of my rights. 15 U.S.C 1681 section 602 A. Cloarly atates that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 16 U.S.C 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account Immadiately as you are in direct Violation of several lawe under The Fair Credit Reporting Act
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Account Numbe XXXX XXXX XXXX on XX/XX/XXXX I wrote a letter to capital one regarding a charge I disputed. Never heard nothing back then wasnt to sure what to do but was told I had to XX/XX/XXXX to pay the amount that was overdrawn and prevent it from being closed. When I tried to use my Online account to transfer fund I logged in online to see that the account was already closed on the day of the XX/XX/XXXX. By then I was more concerned with being reported to the credit bureaus and XXXX XXXX XXXX. So when I called the week before I said I would make a payment on XX/XX/XXXX but when I went to the branch they where having issues or the power was out something to that effect. As the collections department they where already closed I knew before when I called I had until XX/XX/XXXX from my speaking to the agent in the collections department to bring the account positive and when I tried to that day it was already closed when I tried using the ATM card at XXXX to load funds on the account using a XXXX XXXX XXXX for XXXX so I called back and asked what I had to do. Said pay the overdrawn balance which I did by phone on XX/XX/XXXX. But the representative told me that you need to call a few days before the account closure date to prevent from it closing. I was not told that the first time I called. I was told the first time I had until the end of the business day on XX/XX/XXXX to prevent from the account closing and being charged off. So on XX/XX/XXXX I made a payment via check by phone to clear up the balance and then reopen a new checking account. I was told after you pay this you would be get a for a new account.
Company Response:
State: CA
Zip: 95242
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A